No. of Recommendations: 0
~ both our FICO scores are 800+
~ purchase is not contingent on sale of a home
~ our DTI [debt-to-income ratio] is in the single digits
~ our down payment is in excess of 20%
~ appraisal came in above contract purchase price
~ all the comps are model matches
~ there are no screwy liens against the subject property
~ we're not self-employed and have been at the same job(s) for 20+ years
~ we've been customers of the same bank for 20+ years
~ we have only one account wtih them that contains all our transaction money

What am I missing?

Why, nothing.
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